Thanks for all of the great replies, guys.
I don't need to grab with my knees, this is the most comfortable 'ergo' saddle I've ever ridden. Someone really knew how to make a seat to fit a person's pelvis in the 1940's, the longest ride this summer was 7 hours and my seat bones have yet to protest. (I also have a dandy Irish-handmade foxhunting saddle that's super comfy and secure, but the stirrups are really too short for all-day riding if you aren't jumping a lot.)
Last years' riding (different horse) on a Billy Cook with a sheepskin seat-saver had my seat bones and knees really sore. I do still use the sheepskin, and I tend to ride in english breeches so the seam in my pants doesn't rub or bruise. (Unfortunately, I am the original princess from The Princess and the Pea.) I need some nice armitas to hide the fact that I'm not wearing 'real cowboy' jeans!
The form-fitter swells are swell, too, when you're riding on a windy day and colty gets your husband's hat in his face. I had a good bruise on my upper thigh but didn't go off when the horse shied. The big swells are a bit restricting if you want to jump downed timber or whatnot, but all in all it's a great saddle.
I've heard folks complain about the stirrup leather through the ring, but it doesn't seem to be bothering me any.
I'll try to get a pic posted, but it might be a couple of days.
So...my latigos (both sides, there's no half-breed or straight billet on the off side) are original and have no holes. So right now I have no choice but a big knot. Looks like I'll need to take the latigos off and find an alternative. Or maybe I could somehow tie the knot at the cinch? But a knot there would probably bump my ankles?
Would attaching a new (holes punched) latigo to the cinch, then running it up through the rigging once and back down to the cinch buckle be any advantage? Or strong enough? (Sort of like how the half-breed attaches to the cinch, not the saddle rigging? But using a latigo would be one layer, whereas the half-breed is two layers thick.
I don't know if I want to change the actual rigging on the saddle. It really fits the horse as-is. Also, I've noticed that horses ridden in today's typical Wade/ranch saddles that have a 7/8 flat-plate, dropped rigging tend to get a white spot where the saddle rigging/latigo meet, and to me that is not a good thing. So, my original question is whether I could somehow drop some kind of english-girth billets from the rigging I have. That way, the buckles are not under your leg period. (Look at a long-billets dressage saddle girthed on to a horse for a reference.)
Also, about the armitas...I've tried chinks on, but the tooled leather patch on top (riding over the hipbone) bothers me. Pants that fit low across my hips bother me, would armitas be an advantage and do they ever make them to ride like 'high waist' jeans? I know the old-style ladies' Wranglers are really comfy, and they have a very high waist. (BTW, I am female and almost 40, and since a Crohn's-disease related peritonitis surgery I have no trouble maintaining my figure, though I seem to need a smaller pants-size about one a year. Maybe when I'm 65 I'll disappear altogether... I can't say that I'd recommend the gut surgery to maintain one's figure, but at least there's a bright side!)